| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 12444 POWERSCOURT DRIVE, SUITE 500 SAINT LOUYIS, MO 63131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $16K | $69K | 12.08% |
| BRIAN TOLBERT3 | 180 WOODMONT NASHVILLE, TN 37205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 4.94% |
| BERNARD HEALTH LLC3 Filed as: BERNARD HEALTH | 1900 CHURCH AVENUE NASHVILLE, TN 37203 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 4.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $1K | $184 | $1K | 1.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: AJ GALLAGHER & ASSOCIATES | 81 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.10% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $568K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $568K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $568K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $568K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $568K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 664 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.